Our enhanced residential proposition is designed for clients with historical blips on their credit rating. And it's just got better, with three simple tiers as well as options for first time buyers.

Want to discuss a case? Call 0344 770 8032

Quick Overview

Rates from 2.24%
Up to 85% LTV
Historical blips on credit rating
Interest only options
No minimum income
Loans up to £750k
Max age 75 (end of term)
First Time Buyer Options
£50k Minimum loan
For self employed or employed
Gifted deposits accepted
Minimum age 18

The Products

Residential F1
  • For clients with no adverse credit in the last 36 months
  • No IVAs or bankruptcies
  • Rates from 2.24%
  • Up to 85% LTV
Residential F2
  • No major adverse credit within the last 24 months
  • Minor blips accepted (nothing in the last 6 months)
  • No IVAs or bankruptcies
  • Rates from 2.49%
  • Up to 85% LTV
Residential F3
  • CCJs / Defaults / Mortgage arrears considered within the last 24 months
  • Other blips accepted (nothing in the last 6 months)
  • Bankruptcies and IVAs considered
  • Rates from 2.84%
  • Up to 80% LTV
Residential FTB
  • No major adverse credit within the last 24 months
  • Minor blips accepted (nothing in the last 6 months)
  • No IVAs or bankruptcies
  • 80% and 85% LTV options available
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SM
MD
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